1. Overview
Cyber Warranty and Cyber Insurance are two different approaches to managing cyber risk. Both provide financial protection, but they differ in structure, coverage, and use cases.
2. Definitions
| Feature | Cyber Warranty | Cyber Insurance |
| Definition | A guarantee by a tech vendor to cover losses if their tool fails to stop an attack. | A formal policy from an insurance company covering a wide range of cyber risks. |
| Provider | Tech vendor or platform | Licensed insurance company |
| Trigger | Triggered only if vendor’s security product fails | Triggered by various cyber incidents (e.g., phishing, human error) |
| Payout Type | Fixed or capped payout | Variable, based on damages and coverage |
| Cost | Included in product subscription | Premium-based (paid separately) |
| Underwriting | Minimal or none | Requires security posture assessment |
3. Corkinc.com – Cyber Warranty
Corkinc.com provides a cyber warranty that is:
- Integrated with endpoint security stacks (e.g., Coro)
- Designed for MSPs and SMBs
- Offers up to $500,000 coverage depending on stack
- Focused on:
- Ransomware recovery
- Data restoration
- Downtime coverage
- Claim Process: Fast, simple, no adjusters
- No paperwork — tech-based validation
Ideal for: Small businesses that want automated and fast protection without deep compliance paperwork.
4. Datastreaminsurance.com – Cyber Insurance
Datastream Insurance offers traditional cyber insurance:
- Licensed broker working with insurers like Chubb, Beazley, Lloyd’s
- Covers:
- Business interruption
- Ransomware payments and negotiations
- Breach notification
- Legal and regulatory fines
- Third-party claims
- Requires underwriting:
- Security questionnaires
- Cyber hygiene (MFA, backups, patching)
- Offers higher limits: $1M–$5M+
Ideal for: Companies needing formal coverage for contracts, compliance, or investment requirements.
5. Real-World Comparison
| Scenario | Cork (Cyber Warranty) | Datastream (Cyber Insurance) |
| Ransomware hit despite using security tool | Covered (if tool failed) | Covered |
| Employee clicked phishing link | Not covered | Covered (if phishing included in policy) |
| Legal defense after a breach | Not covered | Covered |
| Business contract requires cyber coverage | May not qualify | Accepted, provides certificate |
| Fast, no-paperwork onboarding | Yes | No |
6. How Coro.net and Corkinc.com Work Together
Coro.net is a cybersecurity platform offering: – Endpoint protection – Email security – Cloud app protection (O365, Google) – DLP and user behavior analytics
Corkinc.com offers a cyber warranty that integrates with Coro to provide automatic financial protection.
Step-by-Step Workflow:
- Coro is deployed by MSP – endpoints, email, and cloud apps are protected.
- Cork monitors Coro’s activity via API integration.
- Cork evaluates security posture – if Coro is active and configured properly, warranty coverage activates.
- Warranty certificate is issued – typically $250K to $500K depending on setup.
- If a breach occurs, Cork confirms if Coro failed despite being active.
- Claim is processed quickly – payout made to cover ransomware, downtime, or data restoration.
- MSP remediates the issue with support from Cork funds.
Covered Events:
- Ransomware recovery
- Data restoration
- Downtime compensation
- Breach investigation costs
Not Covered:
- Human error (e.g., phishing without system failure)
- Misconfigured systems (e.g., EDR off)
Benefits for MSPs:
- Easy to bundle and sell
- No paperwork for clients
- Protects clients AND reduces MSP liability
7. Conclusion
| Type | Cork Cyber Warranty | Datastream Cyber Insurance |
| Strengths | Fast setup, low friction, integrated tech | Broad protection, compliance-ready |
| Limitations | Limited to specific failures | Requires underwriting and review |
| Best Use Case | SMBs needing fast protection | Businesses with contracts or complex risks |
Recommendation: Use Cork for quick protection and Datastream for formal insurance requirements.